What kind of insurance should I buy when driving an excavator? Analysis of hot topics on the Internet in the past 10 days
Recently, with the recovery of infrastructure projects and the real estate industry, excavator operation and related insurance issues have become a hot topic on the Internet. This article combines the hot data of the entire network in the past 10 days to provide you with a structured analysis of the key points for purchasing excavator insurance.
1. Construction machinery insurance hot search list in the past 10 days
| Ranking | keywords | peak search volume | Related topics |
|---|---|---|---|
| 1 | Excavator third party liability insurance | 8,200 | Worksite accident compensation |
| 2 | Equipment total loss insurance premium | 5,600 | Natural disaster claims |
| 3 | Mobile phone accident insurance comparison | 4,300 | High-risk occupational protection |
| 4 | Second-hand excavator insurance transfer | 3,800 | Property rights change process |
| 5 | Construction machinery theft and rescue | 2,900 | GPS positioning requirements |
2. Analysis of necessary insurance types
According to the latest data from the China Construction Machinery Association, it is recommended to configure the following core insurance types:
| Insurance type | Coverage | average annual premium | Claim settlement ratio |
|---|---|---|---|
| Compulsory traffic insurance | Legal basic guarantee | 1,200-1,800 yuan | 98.7% |
| Third party liability insurance | personal/property damage | 1.2% of equipment value | 32.5% |
| Equipment loss insurance | Collision/overturning, etc. | 1.8% of equipment value | 18.9% |
| Operator insurance | work accident | 200-500 yuan/person | 7.3% |
3. Comparison of popular insurance packages in 2023
Comprehensive plans from major insurance companies, mainstream packages have the following characteristics:
| insurance company | Basic package | Special services | customer ratings |
|---|---|---|---|
| Ping An Property & Casualty | Three party insurance + equipment insurance | Fast claims channel | 4.8★ |
| PICC Property & Casualty Insurance | Full insurance package | Free annual inspection service | 4.6★ |
| Pacific Insurance | Customized solution | GPS anti-theft subsidy | 4.5★ |
| Continent Insurance | Economical package | Backup machine protection | 4.3★ |
4. Things to note when purchasing insurance
1.Equipment Valuation: New equipment purchased is based on the invoice price, and second-hand equipment requires professional evaluation.
2.Disclaimer: Pay special attention to exemption situations such as unlicensed operations and drunken operations.
3.Regional restrictions: Some insurance types have clear regulations on the operating area (such as mountains/swamps excepted)
4.Additional services: Give priority to insurance products that include emergency rescue and equipment testing
5. Observation of Industry Trends
The recent popular topic on Douyin #excavator insurance pit avoidance guide# has been viewed 120 million times. The main discussion is:
• Special requirements for new energy excavator insurance
• Innovative model of time-sharing insurance for shared equipment
• Application prospects of blockchain technology in claims settlement
It is recommended to conduct a trial calculation of premiums through the insurance company's official website or official APP before purchasing insurance, and pay attention to local subsidy policies (such as premium discounts for environmental protection equipment in some areas). Regularly review the insurance plan to ensure that the coverage matches the actual risks.
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